Free Complaint - District Court of California - California

Case 3:07-cv-04765-CRB

Document 1-2

Filed 09/17/2007

Page 1 of 12

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About American Express I Careers American ExRre66 I Affiliate Prwram I Fraud ProtanlonCenter I Ameri~an Express Labs V i w Webslte Rllies and ReQulaBons. Trademarksand Prlvacv Statemrnt of American Expreu. CopyrQhtQ1995 -2007 American Express CornRany. All Riohts Resewed. Usen of thk she agree to ba bound by the terms of the Amsrlcan Exprsw Web Sits Rules and Reoulatlons.

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Case 3:07-cv-04765-CRB

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American Express

Document http://www20 1 .americanexpress.com/apply/Fmacfservlet?csi=7O/O/b... 1-2 Filed 09/17/2007 Page 2 of 12

PERSONAL CAROS
Manage Your Account Explore Rewards & Benefits

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Add~tionalProducts & Services

American ~ x ~ r e s s @ Preferred Rewards Green Card
The information in this application is accurate through 811512007. This information may have changed after that date. To find out about any changes, please call us at 1-800-223-2670. IMPORTANT INFORMATION REGARDING YOUR APPLICATION I INITIAL DISCLOSURES

Annual Fees
$95 Basic Card $30 for up to five Additional Cards and $30 for each Additional Card after the first five.

Late Payment Fees
state, from zero to the greater of $35 or 2.99% of delinquent balance.

By submitting this application, I ask that a Card account be opened in my name and Card(s) issued as I request, and that you renew and replace them until I cancel. I agree to be bound by the Agreement governing my account. I understand that the agreement governing the account includes an arbitration provision, which impacts my opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. I understand that the agreement governing the account also provides, among other things, that the account terms, such as fees, are subject to change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) issued on my account now or in the future. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange informalion about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes. Only qualified individuals 18 or over may be approved for the Card.

Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by nonpayment of the account. I understand that Additional Card(s) will not be issued to me if I have an unsatisfactory account with American Express or if the Additional Card applicants have ever had an unsatisfactory account with American Express.
I acknowledge that any benefiit or service offered with the Card may be modified or terminated at any time

American Express

Case 3:07-cv-04765-CRB

Document 1-2 Filed 09/17/2007 Page 3 of 12 http://www20 1.americanexpress.com/apply/Fmacfservlet?csi=7O/O/b.. .

An applicant if married may apply for a separate account. Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity. Notice t o Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

The American Express Preferred Rewards Green Card is issued by American Express Centurion Bank. All rights resewed. 02007 American Express Centurion Bank

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About American Express I Careers @ American Express I Affiliate Program I Fraud Protection Center 1 American Express Labs Express Company. All Rights View Website Rules and Regulations, Trademarks and Privacy Statement of American Express. Copyright Q 1995 2007 Amer~can Reserved. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

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Exhibit 2, Page 72

American Express

Case 3:07-cv-04765-CRB

Document 1-2

Filed 09/17/2007

Page 4 of 12

PERSONAL CARDS
Manage Your Account Explore Rewards & Benefits

S~te Help

I Search

)

Contact Us

Addit~onal Products & Services

Apply for a Card

American ~ x ~ r e s s @ Preferred Rewards Gold Card
The information in this application is accurate through 8/15/2007. This information may have changed after that date. To find out about any changes, please call us at 1-800-223-2670.
IMPORTANT INFORMATION REGARDING YOUR APPLICATION

Annual Fees

Basic Card: $125 Additional Card: $35 for up to 5 Additional Cards and $35 for each Additional Card after the first 5.

of delinquent balance.

All charges made on this Charge Card are due and payable when you receive your billing statement.

By submitting this application, I ask that a Card account be opened in my name and Card(s) issued as I request, and that you renew and replace them until I cancel. I agree to be bound by the Agreement governing my account. I understand that the agreement governing the account includes an arbitration provision, which impacts my opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. I understand that the agreement governing the account also provides, among other things, that the account terms, such as fees, are subject to change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) issued on my account now or in the future.
I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any informa.tionobtained about me for marketing and administrative purposes.

Only qualified individuals 18 or over may be approved for the Card.
Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by nonpayment of the account. I understand that Additional Card(s) will not be issued to me if I have an unsatisfactory account with American Express or if the Additional Card applicants have ever had an unsatisfactory account with American Express.

I acknowledge that any benefit or service offered with the Card may be modified or terminated at any time.

Exhibit 3, Page 73

American Express

Case 3:07-cv-04765-CRB

Documenthttp://www20 1 .americanexpress.com/apply/Fmacfservlet?csi=76/O/b... 1-2 Filed 09/17/2007 Page 5 of 12

I

An applicant if married may apply for a separate account.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

The American Express Preferred Rewards Gold Card is issued by American Express Centurion Bank. All rights reserved. 02007 American Express Centurion Bank.

Close Window

About American Express I Careers @ American Express I Affiliate ProQram 1 Fraud Protection Center I American Express Labs View Website Rules and Regulations, Trademarks and Privacy Statement of American Express. Copyright (O 1995 2007 American Express Company. All Rights Reserved. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

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Exhibit 3, Page 74

American Express

Case 3:07-cv-04765-CRB

Documenthttp://www201.americanexpress.com/apply/Fmacfservlet?csi=l3/O/b... 1-2 Filed 09/17/2007 Page 6 of 12

PERSONAL CARDS

Stte Help

1 Search

]

Contact Us

American Express@ Rewards Plus Gold Card
The information in this application is accurate through 8/15/2007. This information may have changed after that date. To find out about any changes, please call us at 1-800-223-2670. IMPORTANT INFORMATION REGARDING YOUR APPLICATION I INITIAL DISCLOSURES

Annual Fee
$150 Basic Card No annual fee for up to five Additional Cards

Late Payment Fee
ries from state to ate, from zero to the eater of $35 or 2.99% delinquent balance.

All charges made on this Charge Card are due and payable when you receive your billing statement.

By signing or returning this application, I ask that a Card account be opened in my name and Card(s) issued as I request, and that you renew and replace them until I cancel. I agree to be bound by the Agreement governing my account. I understand that the agreement governing the account includes an arbitration provision, which impacts my opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. I understand that the agreement governing the account also provides, among other things, that the account terms, such as fees, are subject to change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) issued on my account now or in the future. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes. Only qualified individuals 18 or over may be approved for the Card.

Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by nonpayment of the account. I understand that Additional Card(s) will not be issued to me if I have an unsatisfactory account with American Express or if the Additional Card applicants have ever had an unsatisfactory account with American Express.
I acknowledge that any benefit or service offered with the Card may be modified or terminated at any time.

An applicant if married may apply for a separate account.

Exhibit 4, Page 75

American Express

Case 3:07-cv-04765-CRB

Document 1-2

Filed 09/17/2007

Page 7 of 12

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interests unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree, or is given complete information about the agreement or decree.
The American Express Rewards Plus Gold Card is issued by American Express Centurion Bank. All rights reserved. 02007 American Express Centurion Bank.

Close Window

About American Express I Careers @ American Express I Affiliate Program I Fraud Protection Center I American Express Labs View Website Rules and Regulations, Trademarks and Privacy Statement of American Express. Copyright Q 1995 2007 American Express Company. All Rights Reserved. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

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Exhibit 4, Page 76

American Express

Case 3:07-cv-04765-CRB

Document 1-2 Filed 09/17/2007 Page 8 of 12 http://www20.americanexpress.com/apply/Fmacfservlet?csi=l7/11... 1

PERSONAL CARDS
Manage Your Account Explore Rewards & Benefits

Slte Help

I Search

]

Contact Us

Add~l~onal Products & Services

Apply for a Card

Platinum CardB
The information in this application is accurate through 8/15/2007. This information may have changed after that date. To find out about any changes, please call us at 1-800-2'23-2670. IMPORTANT INFORMATION REGARDING YOUR APPLICATION

Additional Card: $175 for up to 3 Platinum Additional Cards and $175 for each Platinum first 3. $45 for up to 5 Gold Additional Cards 45 for each Gold

payable when you receive your billing statement.
******

By submitting this application, I ask that a Platinum Card account be opened in my name and Card(s) issued as I request, and that you renew and replace them until I cancel. If I currently have an American Express Card account, I understand that it will not be cancelled unless I so request. I agree to be bound by the Agreement governing my account. I understand that the agreement governing the account includes an arbitration provision, which impacts my opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar plroceeding. I understand that the agreement governing the account also provides, among other things, that the account terms, such as fees, are subject to change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) issued on my account now or in the future. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes.1 understand that the issuance of the Platinum Card is subject to my having maintained any accounts with you in good standing. Only qualified individuals 18 or over may be approved for the Card. Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by nonpayment of the account. I understand that Additional Card(s) will not be issued to me if I have an

Exhibit 5, Page 77

American Express

Case 3:07-cv-04765-CRB

Document http:Nwww201 .an~ericanexpress.com/apply/Fmacfservlet?csi=l7/11... 1-2 Filed 09/17/2007 Page 9 of 12

a3

PERSONAL CARIDS
Manage Your Account Explore Rewards &

S~te Help

(

Search

)

Contact Us

Add~t~onal Products & Serv~ces Apply for a Card

Platinum Card@
The information in this application is accurate through 8/15/2007. This information may have changed after that date. To find out about any changes, please call us at 1-800-223-2670. IMPORTANT INFORMATION REGARDING YOUR APPLICATION

Additional Cards and $175 for each Platinum Additional Card after the first 3. $45 for up to 5 Gold Additional Cards and $45 for each Gold Addi,tional Card after the

delinquent balance.

payable when you receive your billing statement.

By submitting this application, I ask that a Platinum Card account be opened in my name and Card(s) issued as I request, and that you renew and replace them until I cancel. If I currently have an American Express Card account, I understand that it will not be cancelled unless I so request. I agree to be bound by the Agreement governing my account. I understand that the agreement governing the account includes an arbitration provision, which impacts my opportunity to have claims related t o the account heard i n court or resolved by a jury, and t o participate in a class action or similar proceeding. I understand that the agreement governing the account also provides, among other things, that the account terms, such as fees, are subject to change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) issued on my account now or in the future. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes.1 understand ,that the issuance of the Platinum Card is subject to my having maintained any accounts with you in good standing. Only qualified individuals 18 or over may be approved for the Card. Additional Cards: I have advised Additional Card applicant(s) that you may obtain, verify, exchange, and use information about them in the same manner as described above, that they may be responsible for payment of their own charges if I fail to pay them, and that their own credit records may be affected by nonpayment of the account. I understand that Additional Card(s) will not be issued to me if I have an

Exhibit 6, Page 78

American Express

Case 3:07-cv-04765-CRB

Document http://www201 .americanexpress.com/apply/Fmacfservlet?csi=l7/11... 1-2 Filed 09/17/2007 Page 10 of 12

I

I

unsatisfactory account with American Express or if the Additional Card applicants have ever had an unsatisfactory account with American Express.
I acknowledge that any benefit or service offered with the Card may be modified or terminated at any time.

An applicant if married may apply for a separate account.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

The Platinum Card is issued by American Express Centurion Bank. All rights resewed. 02007 American Express Centurion Bank.

Close Window

About American Express I Careers @.American Express I Affiliate Proqram I Fraud Protection Center ( American Express Labs View Website Rules and Regulat~ons, Trademarks and Privacy Statement of American Express. Copyright Q 1995 2007 American Express Company. All Rights Reserved. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

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Exhibit 6, Page 79

Case 3:07-cv-04765-CRB Document http://www2O 1.americanexpress.com/sbsapp/FMACServlet?request... 1-2 Filed 09/17/2007 Page 11 of 12 Business Credit Cards - Charge Card Comparison, Applications

MlR BU511Eg

SMALL BUSINESS
Manage Your Account Explore Rewards & Benefits Small Busmess Resources

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I

Addit~onal Products & Se

Why get a Business Card from OPEN from American Express@? As a business owner, you buy more, use credit more, and need to manage your account more rigorously compared to individual consumers. That's why our Business Cards offer a wider range of solutions that can help provide unmatched rewards, savings, and services specifically for you and how you work. See which one's right for you. We offer a wide range of solutions that can provide more financial flexibility for your business. To find the Card or financing product that suits your needs, choose up to three of the products below and click the "Compare" button.

Charge Cards s~endina limit

No preset

Credit Cards

Pay in full or pay over time

F_?

usiness Green ewards Card Business Gold Rewards Card Executive Business Card Business Platinum card'

~ i m ~ l y ~ Business Card a s h ~ ~

C?
C1
1' 1

latinum Business Credit Card

s~ Blue for ~ u s i n e s Credit Card ~rue~arnin~s' Business Card from Costco and American Express

Financing Products
-

L2 .
/I I

Delta s k y ~ i l e s B Business Credit

Business Line of {Credit

Gold Delta skyMilesB Business Credit Card Platinum Delta s k y ~ i l e s ' Business

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usiness Membership ~ e w a r d s ~ ard lue cashB for Business Credit Card latinum Business ~ r e e d o m ~ a s s ~ ~ redit Card

Exhibit 7, Page 80

Case 3:07-cv-04765-CRB Document http://www201.americanexpress.com/sbsapp/FMACServlet?request~... 1-2 Filed 09/17/2007 Page 12 of 12 Business Credit Cards - Charge Card Comparison, Applications

Il
I

Starwood Preferred Guest@ Business Credit Card JetBlue Business Card

r?

About Anierican Express I Careers Q American Express 1 Affiliate Program ( Fraud Protection Center I American Express Labs Rules and Regulations. Trademarks and Privacy Statement of American Express. Copyright O 1995 - 2007 American Express Company. All View Webs~te Rights Resewed. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

Exhibit 7, Page 81